I don't agree with some who advise on pure saving cash yet.

If you can buy and able to apply loan success, take nice new condo around there which is 200-300K which are quite HOT now. throw in maybe 80K deposit and you still have 100K cash flow. Land is lacking and house price getting higher. Your cash now will depreciate over everyear which might not match its current value now. Banking it partly on a property is wise to make sure your hard earn cash wont depreciate in vain. You can then have future option to rent/sale for more income or stay yourself. With facilities, a basic small family confortable life can be obtained. Somemore though condo does not have the value like landed but it is easier to maintain and better security (Condo and above level only). If your business succcess in years, you probably rich to buy a million semi-D to move in with still your condo for various options.

My theory is a all-in-all a fallback plan with business,investment, and family plan.